To be honest, it was a bit shocking! Xu Shanda, former deputy director of the State Administration of Taxation, said that as long as one person in a family has stable employment and a salary of 4,000 yuan to support five people, poverty can be eliminated.
He also helped everyone calculate an account: as long as the monthly income is guaranteed to be 4,000 yuan, then the monthly per capita disposable income of the family is 800 yuan, and life will be quite good.
This point of view has attracted controversy from countless netizens.
However, this view clearly ignores many costs of living, such as housing, education, health care, social security, employment, etc. For ordinary people, a monthly salary of 4,000 yuan may be difficult to support the basic expenses of the entire family in real life.
Take me as an example, my husband and I live in a rented house in Shenzhen, and my monthly salary is 4,000 yuan, which cannot cover our daily expenses at all. 2000 for rent, 1500 for food, 1000 for medical care, not including personal expenses, daily necessities and so on. The monthly expenses are basically around 6000+.
A monthly salary of 4,000 yuan to support a family of five? Joke? The two of us can't afford to feed it~
Personally, I think that if a person lives in a small county or rural area, under the premise of no mortgage and rent, 4,000 yuan as living expenses is no problem, and life is quite good, but a family of five still needs to be inspected again.
A family's monthly water and electricity expenses are at least 500 yuan, basic daily necessities are also 500 yuan, and the remaining 3,000 yuan is left.
If there are children in the family, it costs 4,000 yuan to go out to study for a few days, or 4,000 yuan for make-up classes and interest classes, then everyone in the family will drink the northwest wind this month.
4,000 yuan is enough because no one in the family can get sick, there can be no accidents, there can be no children's expenses, there can be no human contacts, and no one can live in a first-tier city.
Therefore, it is relatively reasonable for him to say this, the question is that it depends on what kind of family he is targeting.
If it is an old couple in the countryside, the children have all started a family, and they are separated, and the old people who have no parents need to be supported, and they have no children and grandchildren to gnaw on the old age, then the old couple is not only not poor, but can even live more easily than most families, but how many such families are there?
But what if it's an urban family of two and two children studying? If he has a car loan or a housing loan, and lives on this 4,000 yuan a month, who is not poor if he is not poor?
After all, the socio-economic and cultural and consumption levels have developed to a certain extent, which is obvious to all, and everyone has personally felt the current prices.
In the era of economic downturn and consumption downgrade, I think as an ordinary person, we should balance income and expenditure from multiple dimensions from food, clothing, housing and transportation, and try to save as much money as possible and spend less.
1. Clothing
As a part-time worker in the workplace, I basically take turns to commute on weekdays, with a small number of clothes, and a day off on weekends, so I basically don't buy clothes that I don't usually wear except for sportswear and pajamas.
My husband too, in addition to the formal wear for work, usually only has 2 sets of sportswear. Because we rarely wear casual clothes except for work. Dressing, we save the temptation of buying and buying every quarter.
2. Food
In the past two years, I have eaten takeout and eaten out every day, which has caused my husband and I to have a bad stomach and often go to the hospital. This year, I basically cook at home, and bring my own lunch box to work. Eat a clean diet with less oil and less salt, and eat healthier.
The expected distribution of 1,500 yuan per month: 48 yuan per day.
Includes: Breakfast, Lunch, Dinner, Fruit
Breakfast: eggs, corn, sweet potatoes, purple potatoes, steamed buns, rice rolls, porridge, bread, soy milk, yogurt, basically alternate eating.
Lunch: noodles, rice, steamed buns, dumplings
Dinner: porridge, salad, rice, fried rice, fruit
It can basically ensure that vegetables, meat, eggs, milk and other nutrients are balanced.
3. Housing
Renting a house in Shenzhen, basically you don't need to buy too many household appliances, you don't need to buy, you don't need to break or replace. There are not too many items and decorations, just simple and clean. It only needs to meet the needs of personal life, and there is no need to consider the needs of visitors.
4. OK
In order to commute to and from work, there will be overtime at ordinary times, the time will be late, and the place where we live is less than 10 minutes walk to the company, no need to take transportation, and green travel on weekends and holidays is the mainstay.
I have never had a concept of spending money before, debt moonshine, since I began to have a concept of money, whether it is food, clothing, housing and transportation, or the desire to consume, every penny is earned by hard work, I will cherish it very much.
In fact, many times we ordinary people don't spend much on living expenses, and the money is spent on medical care, education, mortgage rent, etc., if you want to live better, then you must have a reserve fund to ensure your life.
I would like to share with you 4 things about my relationship with money:
1. Forced savings to be saved first and then spent
Spend first and then save, you can't save money, save first and spend later, you can save money.
I found that there seems to be no difference, since I adjusted the order, the result is very different, spend first and then save, moonlight, save first and then spend, after spending money in moderation, you can save money, and the standard of living has not decreased.
Saving money is important, and the order in which you save money is even more important.
2. Develop a low-cost hobby
In addition to spending money to buy happiness, there are many joys in life that do not cost money or are low-cost, reading, yoga, writing, watching documentaries, listening to podcasts can all make me happy.
After work, go to the park to play badminton, go for a walk, and run to make yourself feel happy and healthier by secreting endorphins.
3. Listen to podcasts to learn to save money, and make money first brains
Break the information gap and jump out of your own inherent thinking, the anchor will share a lot of tips about saving money, and you can also get a lot of practical methods.
I've been listening to it for you a lot:
"Serious Horn", "Zhixing Tavern", "Money Girl", "Siwen, Scum", "Doomsday Crazy Flower", "A Tape Measure"
4. Start your day after work
With a monthly salary of 4,000 yuan, you have to find a way to improve your ability, open source and reduce expenditure, and make your time valuable. Make a work plan in advance during working hours, clear every day, and improve work efficiency. After work, you can learn skills and experience frantically and increase your abilities.
You can catch up on dramas after work, but you can also write, photograph, draw, and learn a skill, and the era of self-media brings us more possibilities for ordinary people.
Spend your time and money where you can generate benefits in the future, and the money you spend will flow back on its own.
The reason why I am still studying self-media in addition to work is that I hope that one day I will not earn a salary of 4,000 instead of working 26 days off on weekends from 9 to 6, but will work hard to help myself create a way to earn more money in addition to going to work to earn money.